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| Florence | | Make sure you have a new policy in | | Agency Contract (or Agreement): The |
| Muskegon | | place before you cancel your old one | | document which establishes the legal |
| Texarkana | | to avoid a lapse in coverage. This will | | relationship between an agent and an |
| Zanesville | | also prevent having to figure out the | | insurer. |
| Silver Spring | | amount of any unused premium that is | | |
| Canton | | due to you from your old insurance | | Director of Insurance: A title used in |
| Ocala | | company, or having to spar with your | | some states for the head of the |
| Abilene | | agent about exactly when your policy | | department of insurance. |
| Reading | | was cancelled and how much they | | |
| Kingsport | | owe you. | | Accident: An unplanned event, |
| Council Bluffs | | | | unexpected and undesigned, which |
| Saginaw | | We offer quotes for auto insurance, | | occurs suddenly and at a definite |
| Phoenix | | life insurance, homeowners | | place. |
| Decatur | | insurance, health insurance, term life | | |
| Shreveport | | insurance and more. | | Coding: A method of putting |
| Burbank | | | | information into a numerical form for |
| Acworth | | The best time to switch policies is | | statistical use. Most information on |
| Albany | | within one month of receiving your | | policies is coded and then put into |
| Cape Coral | | policy renewal from your current | | reports. |
| Grand Junction | | insurer. You can typically cancel your | | |
| Duluth | | policy without any fees or penalties if | | Collusion: An agreement, usually |
| Scottsdale | | you act within this time period. | | secret, between two or more persons |
| Pasadena | | | | to defraud or deprive another or |
| Jacksonville | | Life insurance, specifically Term Life, | | others of their property or rights. |
| Norfolk | | is arguably one of the best values in | | |
| Asheville | | the entire financial services arena. | | We/Us/Our: These words are used to |
| Pompano Beach | | Where else can you go and get | | refer to the insurer in many of the |
| Athens | | hundreds of thousands of dollars in | | modernized/personalized policy |
| Fairfax | | protection for literally pennies per | | forms recently introduced. |
| Las Vegas | | day? Rates for Term Life insurance | | |
| Rockford | | remain at all-time lows, and now is the | | Premium Notice: A form notice from |
| Columbus | | time to lock in the best prices. | | an insurer or agency to a policy |
| San Bernardino | | | | owner that a premium will be due on a |
| Montgomery | | Healthy people have the best | | given date. |
| Pompano Beach | | mortality risks and thus are much | | |
| Jacksonville | | cheaper for companies to insure. This | | |
| Alexandria | | translates into lower rates for the | | |
| Durham | | Super Preferred customer than | | |
| Columbia | | someone with higher risk factors such | | |
| San Antonio | | as a heart condition, cancer or | | |
| Rochester | | diabetes. Conversely, if you were | | |
| Delray Beach | | unhealthy when you acquired your | | |
| Green Bay | | policy, and your health has now | | |
| Spring Hill | | improved, it might be time to shop for | | |
| Costa Mesa | | a new policy, as your rates are likely | | |
| Overland Park | | to be lower. | | |
